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The Intersection : J.M. Wilson Blog

Garage E&O and the Car Dealer

Posted by Kristy Galecka on Oct 18, 2016 4:30:00 AM

Okay 80’s & 90’s babies or anyone with a child from this time frame, this one is for you.  Who remembers the movie Matilda? If you do not recall, Matilda is constantly battling her family’s horrible morals and values, among other things.  There is one scene in particular that sticks out to me when underwriting garage risks on a daily basis.  Matilda’s Dad takes her and her brother to work one day to show them the ropes of the family business.  As a used car dealer her Dad has obligations to disclose information about a vehicle to a customer prior to the sale.  However, despite Matilda’s persistent requests to do the right thing her Dad continues to repair and service vehicles illegally and later on, in a normal kid’s movie manner, she gets him back.  Push play to see the scene I am referencing.

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Topics: Property & Casualty, garage, garage insurance, garage liability

Loss Control Programs: A Benefit for Everyone

Posted by Mary Ricks on Oct 11, 2016 9:30:00 AM

Loss control services can be widely misunderstood and unfortunately, underutilized. As someone who works and communicates with agents on a daily basis, I think there is sometimes a huge disconnect between how an agent perceives what these services do, and what they actually do. I've noticed that some agents tend to lump loss control services into the same category as inspections or audits - when in fact, they have so much more to offer.

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Topics: transportation, loss control

5 Commonly Overlooked Facts about High Value Home Coverage

Posted by Cheryl Gleason on Oct 4, 2016 9:30:00 AM

On occasion, certain coverages have the ability to be overlooked when it comes to insuring High Value Homes.  Here are five key points that should be taken into consideration when trying to place coverage for your next high value home client.

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Topics: Personal Lines, high value home insurance, high value homes

The MCS90/ BMC91X - What does it do, and when does it respond?

Posted by Sandi Fritz, CIC, TRS on Sep 27, 2016 9:30:00 AM

I am often asked, "What is the MCS90", "When does it respond on the policy?", or "Who needs an MCS90 ?" 

The MCS90 actually came to be during The Motor Carrier ACT of 1980. The act states that each motor carrier traveling "interstate" for-hire is required to show proof that they have a financial responsibility equal to or greater than the minimums required by each state. This can be done either by self-insure, surety bond or "insurance" through a transportation insurance market, and will require the MCS-90.

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Topics: insurance, Transportation / Trucking, transportation

"Bonded and Insured" - What's the Big Deal?

Posted by Steve Kuykendall on Sep 20, 2016 9:30:00 AM

A new homeowner looking to hire a professional for renovations will quickly be told by homeowner veterans to only hire a business who is “bonded and insured”.  While to a new homeowner this may just sound like contractor jargon, the two are different. Both offer important forms of protection that allow all parties involved to rest easy. 

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Topics: insurance, Surety, liability insurance, bond/surety, bond, professional liability

How You Can Benefit From Premium Financing

Posted by Crystal Russell on Sep 13, 2016 9:45:00 AM

Everyone needs insurance. However, sometimes, it can be hard for individuals and businesses to afford the insurance they need. If the insurance policy premium isn't available right out-of-pocket, then financing a policy is a great option for both your insured and you, as their insurance agent.
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Topics: insurance, Customer Service, Insurance Tips, financing, cedar finance, premium financing, insurance policy

Excess Liability and Umbrella Coverage - Know the difference for your insured

Posted by Roxanne Barry, CIC, CISR on Sep 7, 2016 9:30:00 AM


Excess or Umbrella? Which one do I need? What’s the difference?

This is not an easy question to answer, as the lines become easily blurred, and carriers will sometimes refer to any type of “excess” coverage as umbrella, when the true definition of an umbrella is a little broader.

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Topics: insurance, Property & Casualty, excess and surplus insurance, excess & surplus, Brokerage, umbrella

Inside Scoop: How to Get Your Quote in the Fast Lane

Posted by Erin Dey on Aug 30, 2016 9:30:00 AM

After you've submitted a risk, is it possible to get a quote back too soon? Probably not. Time is always of the essence. If you want to send your application to the top of the stack on an underwriter's desk and bind coverage even faster, you might want to keep this blog post bookmarked.

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Topics: Insurance Tips, underwriting, binding, tips

5 Ways to Kick Start Your Creativity

Posted by Kristin O'Leary on Aug 23, 2016 9:30:00 AM


Creativity in the workplace is essential, but too often we become comfortable with our daily routine.  We must continue to evolve and continue to question ourselves. 

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Topics: creativity, new ideas, innovation

Does your insured have all the coverage they need?

Posted by James Reincke, AU, AIS on Aug 16, 2016 11:30:00 AM


We’ve all heard stories of frustrated individuals suing; from medical procedures gone wrong, overlooked mistakes on the job site to financial advice gone awry.  So, what happens when an individual doesn’t just sue the business, but also the professional who assisted, advised or treated them? A company can protect its employees from legal discourse by providing professional liability coverage.

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Topics: insurance, Professional / E&O, insurance coverage, professional liability, professionals

Disclaimer: This article is for informational purposes only. There is no legal advice being suggested or proffered. The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. This article is the opinion of the author and is not supported or endorsed by J.M. Wilson. It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information. Any comments or responses are the opinions of their authors. Content on this site is believed to be covered under Fair Use.

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